Privacy Policy

Effective Date: January 1, 2026

RentProtect Insurance Services LLC

1. Introduction

RentProtect Insurance Services LLC ("RentProtect," "we," "us," or "our") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website and use our services (collectively, the "Services").

Please read this Privacy Policy carefully. By using our Services, you agree to the collection and use of information in accordance with this Privacy Policy. If you do not agree with the terms of this Privacy Policy, please do not access or use the Services.

2. Information We Collect

2.1 Personal Information You Provide to Us

We collect personal information that you voluntarily provide to us when you:

1. Request an insurance quote
2. Apply for insurance coverage
3. Create an account
4. Contact us for customer service
5. Subscribe to newsletters or marketing communications
6. Participate in surveys or promotions

The types of personal information we may collect include:

1. Identity Information: Name, date of birth, Social Security number, driver's license number
2. Contact Information: Address, email address, telephone number
3. Financial Information: Bank account information, payment card information, credit history
4. Property Information: Rental property address, property details, occupancy information
5. Insurance History: Previous insurance coverage, claims history, cancellation history
6. Other Information: Any other information you choose to provide to us

2.2 Information Automatically Collected

When you access our Services, we automatically collect certain information about your device and usage patterns, including:

1. Device Information: IP address, browser type, operating system, device identifiers
2. Usage Data: Pages visited, time spent on pages, links clicked, referring website
3. Location Data: General geographic location based on IP address
4. Cookies and Similar Technologies: Information collected through cookies, web beacons, and similar tracking technologies

2.3 Information from Third Parties

We may receive information about you from third parties, including:

1. Insurance Carriers: Information related to your insurance applications and policies
2. Credit Reporting Agencies: Credit reports and scores for underwriting purposes
3. Consumer Reporting Agencies: Claims history, motor vehicle records, and other consumer reports
4. Data Brokers: Demographic and marketing information
5. Public Records: Information from publicly available sources
6. Marketing Partners: Information from joint marketing partners

3. How We Use Your Information

We use the information we collect for the following purposes:

3.1 Insurance Services

1. To provide insurance quotes and facilitate insurance applications
2. To underwrite and evaluate insurance risks
3. To bind coverage and issue insurance policies
4. To process premium payments
5. To service your insurance policies
6. To process claims and provide customer support

3.2 Business Operations

1. To communicate with you about your account and our Services
2. To respond to your inquiries and requests
3. To verify your identity and prevent fraud
4. To comply with legal obligations and regulatory requirements
5. To enforce our Terms of Service and other agreements
6. To maintain and improve our Services
7. To analyze usage patterns and optimize user experience

3.3 Marketing and Communications

1. To send you promotional materials and marketing communications (with your consent where required)
2. To inform you about new products, services, and offers
3. To conduct surveys and market research
4. To personalize your experience on our Services

3.4 Legal and Compliance

1. To comply with applicable laws, regulations, and industry standards
2. To respond to legal process, subpoenas, and government requests
3. To protect our rights, property, and safety and that of our users and the public
4. To investigate and prevent fraudulent or illegal activities

4. How We Share Your Information

We may share your personal information in the following circumstances:

4.1 Insurance Carriers

We share your information with insurance carriers to obtain quotes, process applications, bind coverage, and service insurance policies. Insurance carriers may use and disclose your information in accordance with their own privacy policies.

4.2 Service Providers

We share your information with third-party service providers who perform services on our behalf, including:

1. Payment processors
2. Data analytics providers
3. Cloud storage providers
4. Customer service providers
5. Marketing and advertising partners
6. IT service providers

These service providers are contractually obligated to use your information only for the purposes of providing services to us and to protect the confidentiality of your information.

4.3 Consumer Reporting Agencies

We may share information with consumer reporting agencies, including credit bureaus, claims databases (such as CLUE reports), and motor vehicle record providers, for underwriting and fraud prevention purposes.

4.4 Business Transfers

If we are involved in a merger, acquisition, sale of assets, or bankruptcy, your information may be transferred as part of that transaction. We will notify you of any such change in ownership or control of your personal information.

4.5 Legal Compliance and Protection

We may disclose your information when we believe in good faith that disclosure is necessary to:

1. Comply with applicable laws, regulations, legal process, or governmental requests
2. Enforce our Terms of Service and other agreements
3. Protect the rights, property, or safety of RentProtect, our users, or the public
4. Detect, prevent, or address fraud, security, or technical issues

4.6 With Your Consent

We may share your information with third parties when you have given us consent to do so.

4.7 Aggregate or De-identified Information

We may share aggregate or de-identified information that does not directly identify you with third parties for marketing, research, or other business purposes.

5. Michigan and Multi-State Insurance Privacy Protections

As an insurance agency licensed in multiple states, we are subject to federal privacy laws including the Gramm-Leach-Bliley Act (GLBA) and the privacy laws of each state where we are licensed. These laws provide you with specific rights regarding your personal financial information.

5.1 Michigan Insurance Information and Privacy Protection Act

Under Michigan law (MCL 500.2601 et seq.), Michigan residents have the right to:

1. Know what personal information we collect about you
2. Access your personal information in our records
3. Request correction of inaccurate information
4. Understand how your information is used and shared

5.2 Other State Privacy Laws

If you reside in a state other than Michigan, you may have additional privacy rights under your state's insurance privacy laws. We comply with all applicable state privacy requirements for the states in which we are licensed.

5.3 Notice of Information Practices

We collect personal and financial information from you and third parties as described in this Privacy Policy. We may share this information with insurance carriers, service providers, and as otherwise described in this Privacy Policy.

5.4 Opt-Out Rights

You have the right to opt out of certain information sharing practices. To exercise your opt-out rights, please contact us using the contact information provided at the end of this Privacy Policy.

6. Cookies and Tracking Technologies

6.1 Types of Cookies We Use

We use cookies and similar tracking technologies to enhance your experience on our Services. The types of cookies we use include:

1. Essential Cookies: Necessary for the Services to function properly
2. Performance Cookies: Collect information about how you use the Services
3. Functionality Cookies: Remember your preferences and settings
4. Advertising Cookies: Deliver targeted advertisements based on your interests

6.2 Your Cookie Choices

Most web browsers are set to accept cookies by default. You can choose to set your browser to remove or reject cookies. Please note that if you choose to remove or reject cookies, this could affect the availability and functionality of our Services.

6.3 Third-Party Analytics

We use third-party analytics services, such as Google Analytics, to analyze usage of our Services. These services use cookies and similar technologies to collect information about your use of the Services. You can opt out of Google Analytics by visiting https://tools.google.com/dlpage/gaoptout.

6.4 Do Not Track Signals

Our Services do not currently respond to "Do Not Track" signals from web browsers.

7. Data Security

We implement reasonable administrative, technical, and physical security measures designed to protect your personal information from unauthorized access, use, disclosure, alteration, and destruction. These measures include:

1. Encryption of sensitive data in transit and at rest
2. Access controls and authentication mechanisms
3. Regular security assessments and audits
4. Employee training on data protection and privacy
5. Secure data storage and transmission protocols

However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to protect your personal information, we cannot guarantee absolute security.

8. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, including:

1. For the duration of our business relationship with you
2. To comply with legal, regulatory, and contractual obligations
3. To resolve disputes and enforce our agreements
4. For audit and record-keeping purposes as required by law

When we no longer need your personal information, we will securely delete or anonymize it in accordance with our data retention policies and applicable laws.

9. Your Privacy Rights

Depending on your location and applicable laws, you may have the following rights regarding your personal information:

9.1 Access and Correction

You have the right to access and review the personal information we hold about you and request correction of any inaccurate or incomplete information.

9.2 Deletion

You may request that we delete your personal information, subject to certain exceptions where we are required or permitted by law to retain the information.

9.3 Opt-Out of Marketing

You have the right to opt out of receiving marketing communications from us. You can opt out by:

1. Clicking the "unsubscribe" link in our marketing emails
2. Contacting us using the contact information provided below
3. Adjusting your communication preferences in your account settings

9.4 Opt-Out of Information Sharing

You may opt out of certain sharing of your personal information as described in the "Opt-Out Rights" section above.

9.5 Non-Discrimination

We will not discriminate against you for exercising any of your privacy rights.

9.6 Exercising Your Rights

To exercise any of your privacy rights, please contact us using the contact information provided at the end of this Privacy Policy. We may require verification of your identity before responding to your request.

10. Children's Privacy

Our Services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18. If we learn that we have collected personal information from a child under 18, we will take steps to delete such information. If you believe we have collected information from a child under 18, please contact us immediately.

11. Third-Party Websites and Services

Our Services may contain links to third-party websites and services, including insurance carrier websites. This Privacy Policy does not apply to such third-party websites and services. We are not responsible for the privacy practices of third parties, and we encourage you to review their privacy policies before providing them with any personal information.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technologies, legal requirements, or other factors. We will notify you of any material changes by:

1. Posting the updated Privacy Policy on our website
2. Updating the "Effective Date" at the top of this Privacy Policy
3. Sending you an email notification (if you have provided us with your email address)

Your continued use of the Services after any changes to this Privacy Policy constitutes your acceptance of the revised Privacy Policy.

13. California Privacy Rights

If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA) and other California privacy laws. If we are licensed and conduct business in California, California residents would have rights including:

1. The right to know what personal information we collect, use, disclose, and sell
2. The right to request deletion of personal information
3. The right to opt out of the sale of personal information
4. The right to non-discrimination for exercising CCPA rights

To exercise these rights, California residents may contact us using the contact information provided in this Privacy Policy.

14. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us at:

RentProtect Insurance Services LLC

77 Monroe Center St NW Ste 600

Grand Rapids, Michigan 49503

Email: [email protected]

Website: www.rentprotect.me

State Insurance Departments

If you have concerns about our privacy practices that we have not adequately addressed, you may also contact your state's insurance department. For Michigan residents:

Michigan Department of Insurance and Financial Services

P.O. Box 30220

Lansing, MI 48909-7720

Phone: (877) 999-6442

Website: www.michigan.gov/difs

For residents of other states, please visit the National Association of Insurance Commissioners (NAIC) website at www.naic.org to find your state insurance department's contact information.

By using our Services, you acknowledge that you have read and understood this Privacy Policy and agree to the collection, use, and disclosure of your information as described herein.